Federal credit union · WHITE PLAINS, New York · NCUA charter #21231
Scf Westchester N. Y. Employees
Health score 53/100, grade D (Fair) - from the NCUA 5300 Call Report, 2025Q4.
- 53
- Health / 100
- $1.7M
- Total assets
- 368
- Members
- 22.7%
- Net-worth ratio
Scf Westchester N. Y. Employees scores 53/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.7M; members 368; net-worth ratio 22.70%; health rank #4,218 of 4,374; healthier than 3rd of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#4,218 of 4,374 health · 2025Q4Scf Westchester N. Y. · health 53/100 · $1.7M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Scf Westchester N. Y. Employees vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Scf Westchester N. Y. Employees sits in 50-54 with 82 others.
53 3rd percentile higher than 3% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Scf Westchester N. Y. Employees diverges from peer averages
- Loan-to-Share Ratio trails the peer set - 34.36% here, 52.70% peer average (-18.34 pp).
Where Scf Westchester N. Y. Employees sits in New York
- New York health ordinal: #260 of 272.
- Assets rank #246 of 272 inside New York ($1.7M reported).
- Membership ranks #245 of 272 among New York CUs with a reported count (368 members).
- One place up in New York, Urban Upbound (#259) scores 54/100, 1 point higher; one place down, ELEKTRA (#261) scores 52/100, 1 point lower.
Scf Westchester N. Y. Employees: 2025Q4 → 2026Q1
Scf Westchester N. Y. Employees: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -7.6% from $1.7M (2025Q4) to $1.6M (2026Q1).
- Net-worth ratio shifted +1.94 pp (20.76% → 22.70%).
This credit union's 22.70% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 53/100 score is built
Scf Westchester N. Y. Employees gives up 47 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 3.9 pts
- Member Growth 9.7 pts
- Loan-to-Share Ratio 9.4 pts
Scf Westchester N. Y. Employees vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 22.70% | -0.23 pp |
| Delinquency Rate | 4.80% | +0.32 pp |
| Return on Assets | -0.07% | -0.29 pp |
| Member Growth | 0.55% | - |
| Loan-to-Share Ratio | 34.36% | -18.34 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Scf Westchester N. Y. filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.6M | - |
| 2025Q4 | $1.7M | 368 |
| 2024Q4 | $1.6M | 366 |
| 2023Q4 | $1.7M | 333 |
Credit Union Details
- Charter Number
- 21231
- Type
- Federal
- Field of Membership
- Low Income
- Peer Group
- Under $2M
- State
- New York
- City
- WHITE PLAINS
- Data Quarter
- 2025Q4
Branch Locations (2)
The NCUA branch filing lists 2 physical offices for Scf Westchester N. Y. Employees, spread across 2 cities.
| Office | City |
|---|---|
| Credit Union Office (Main Office) | White Plains, NY |
| Yonkers Federal Employees CU | Yonkers, NY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in New York
A look at other New York credit unions, ranked by how closely their peer group and asset size match this one.
- SLOAN PUBLIC SCHOOLSCheektowaga, NY · Under $2M87Health
- BYKOTABrooklyn, NY · Under $2M27Health
- LATVIANMELVILLE, NY · Under $2M78Health
- ST. PHILIP'S CHURCHNew York, NY · Under $2M57Health
- HARRISON TEACHERSHARRISON, NY · Under $2M43Health
Compare Scf Westchester N. Y. Employees vs SLOAN PUBLIC SCHOOLS
Cross-state Call Report peers for Scf Westchester N. Y.
Using this data
- Scf Westchester N. Y. Employees ranks #4,218 of 4,374 nationally on financial health and #260 of 272 in NY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sloan Public Schools is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sloan Public Schools
Frequently Asked Questions
Is Scf Westchester N. Y. Employees financially healthy?
On its 2025Q4 NCUA 5300 filing, Scf Westchester N. Y. Employees scores 53/100 (Fair), with a 22.70% net worth ratio and 4.80% of loans delinquent. It ranks #4,218 of 4,374 nationally on health and #260 of 272 in New York.
How does Scf Westchester N. Y. Employees compare to other credit unions?
Scf Westchester N. Y. Employees scores 53/100, higher than 3% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (34.36% vs 52.70%).
How can I join Scf Westchester N. Y. Employees?
Scf Westchester N. Y. Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Scf Westchester N. Y. Employees directly to confirm current membership steps.
Is my money safe at Scf Westchester N. Y. Employees?
Scf Westchester N. Y. Employees is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Scf Westchester N. Y. Employees's net worth ratio of 22.70% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.